Extended Warranty Plan Documents - American Express

Extended Warranty Plan Documents

Applicable to Purchases made on or after: 1/1/2020

Contents

All States (except below), District of Columbia, and U.S. Territories ............. ....2 - 9

10/1/2020 Contents

New York State ................................................................................................. ...2 - 9

Applicable to Purchases made between: 1/1/2020 and 9/30/2020

Contents

New York State ................................................................................................. 10 - 15

9/1/2017 and 12/31/2019 Contents

All States (except below), District of Columbia, and U.S. Virgin Islands......... 16 - 33

Arizona and Texas ............................................................................................ 34 - 42

Guam and Northern Mariana Islands ............................................................... 43 - 46

Indiana ............................................................................................................... 47 - 53

Oregon ............................................................................................................... 54 - 59

Puerto Rico........................................................................................................ 60 - 66

Washington ........................................................................................................ 67 - 72

To file a claim electronically for a qualifying event please visit us at americanexpress.com/onlineclaim.

For any coverage inquires related to purchases made prior 9/1/2017 please refer to your Additional Card Benefits document delivered with your American Express Card

http://americanexpress.com/onlineclaim

1 | P a g e 314-400 Rev. 10/01/2020

Extended Warranty Benefit Guide

This Benefit Guide describes the Extended Warranty benefits. Information in this Benefit Guide replaces any Extended Warranty benefits document You may have received previously for Your Additional Card Benefits as of the Effective Date listed in the Additional Terms section. Read this Benefit Guide carefully.

Capitalized and bold words that are not section headings have special meanings and are defined throughout this Benefit Guide.

Shop with more confidence. You can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to 1 additional year when you use your Eligible Card to make a Covered Purchase. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Key Terms You or Your means the Card Member who carries an Eligible Card.

We, Us, or Our means American Express.

American Express means American Express Travel Related Services Company, Inc., or its participating subsidiaries, affiliates or licensees.

Card Member means the authorized user of an Eligible Card.

Claim means a request of a Card Member or Eligible Beneficiary that We Pay for a Covered Event.

Covered Event means an unintentional event or occurrence that qualifies for benefit consideration.

Eligible Beneficiary means the Card Member or other intended beneficiary entitled to make a Claim.

Eligible Card means those card types designated as eligible for benefits by American Express.

Pay means a credit to the Eligible Card of the Eligible Beneficiary, or if that is not feasible, a payment by check to the Eligible Beneficiary.

All States, District of Columbia, and U.S. Territories

2 | P a g e 314-400 Rev. 10/01/2020

How to Activate Benefits Coverage is activated each time a Card Member makes an Eligible Payment for a Covered Purchase. What is an Eligible Payment? The amount of the one original worldwide charge to an Eligible Card for the purchase of a tangible item of property for personal or business use or as a gift. Can rewards points be redeemed towards an Eligible Payment? Yes, purchases on Eligible Cards that are combined with American Express Loyalty Programs, such as Membership Rewards® points or Pay with Points, would qualify for benefits. However, other Loyalty Programs (i.e. Non-American Express) DO NOT qualify on purchases redeemed in part or full towards the Covered Purchase. What is a Covered Purchase? It is the tangible item of property purchased as a gift or personal or business use and charged to an Eligible Card.

What is Covered? Any Covered Purchase which experiences an Extended Warranty Covered Event during the Extended Warranty Coverage Period as described below. Benefits are provided for Replacement Cost up to the lesser of the Eligible Payment or the per item and calendar year maximums as described below. Extended Warranty Covered Period

Original Manufacturer’s Warranty Period

Per Item Calendar Year

Up to one (1) additional year

On Original Manufacturer’s Warranties of five (5) years or less.

Up to $10,000 per Covered Purchase

Up to $50,000 per Eligible Card

What is Extended Warranty? It is the protection that matches the Original Manufacturer’s Warranty provided for a Covered Purchase if an Extended Warranty Covered Event occurs during the Extended Warranty Coverage Period.


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What is an Extended Warranty Covered Event? An event that matches the Original Manufacturer’s Warranty. When does the Extended Warranty Coverage Period Start? It begins after the longer of the Original Manufacturer’s Warranty coverage and/or Purchase Service Contract expiration. What is an Original Manufacturer’s Warranty? It is the express written full or limited warranty for defects in material and/or workmanship provided by the original manufacturer of the Covered Purchase and which is valid in the United States, District of Columbia or its territories or possessions. What is a Purchase Service Contract? It is a paid agreement to repair or replace an Extended Warranty Covered Purchase that is not the Original Manufacturer’s Warranty. Is the total cost of the Covered Purchase eligible for coverage? Only the Covered Purchase amount which was charged to the Eligible Card qualifies for benefits under Extended Warranty and is subject to the maximums described above. What happens if the Original Manufacturer’s Warranty coverage and/or Purchase Service Contract agreement prematurely ends? If the Card Member is notified the Original Manufacturer’s Warranty coverage and/or Purchased Service Contract has prematurely expired for any reason including bankruptcy of the responsible party, Extended Warranty benefits will apply as of the date of the premature expiry and continue to provide coverage, for up to the lesser of a period matching the Original Manufacturer’s Warranty period or the maximum Extended Warranty Coverage Period, subject to the maximums described above.

What is Not Covered? ANY COVERED EVENT BASED UPON OR ARISING OUT OF:

A. war or acts of war (whether declared or undeclared), service in the armed forces or units auxiliary to it.

NO COVERAGE IS PROVIDED FOR:

A. A Covered Purchase which is/are: 1. covered by an unconditional satisfaction guarantee; 2. damaged through alteration or modification of any kind; 3. animals or living plants;


4 | P a g e 314-400 Rev. 10/01/2020

NO COVERAGE IS PROVIDED FOR: (CONTINUED) 4. one-of-a-kind items including antique, artwork, furs, or previously owned and used

items (except when refurbished by the original manufacturer); 5. purchases that are consumable or have a limited life span like food, perfume, light

bulbs, batteries, etc.; 6. credit cards, securities, documents and tickets, travelers checks and other negotiable

instruments including gift certificates, gift cards, gift checks, food stamps, cash or its equivalent, notes, accounts, bills, currency, deeds, evidences of debt or intangible property, rare stamps or coins;

7. items that are rented, leased or borrowed; 8. Motorized Devices or Motorized Device Parts, except for Motorized Devices and

Motorized Device Parts that are permanent residential or business fixtures that can be removed without damaging the structure;

9. permanent residential or business fixtures, additions or built-ins that can’t be removed without damaging the structure;

10. land or buildings; 11. more than one article in a pair or set. Coverage will be limited to no more than the

value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;

12. downloadable services, application programs, computer programs, operating software, firmware and other software of any kind;

13. items voluntarily or involuntarily discarded; 14. indirect or direct damages to any other item or property resulting from a Covered

Event; or 15. items purchased for use as resale (i.e., goods purchased as inventory for sale).

B. A Covered Purchase that also includes:

1. charges for shipping, handling, installation, assembly, professional advice, maintenance or other service fees, warranties or memberships including costs or fees in addition to the Replacement Cost;

2. rebates, discounts or money from lowest price programs; 3. any legal defense costs or expenses; 4. any request to return a Covered Purchase by a retailer, wholesaler, or manufacturer

including product recall; 5. additional service contract, Extended Warranty coverage or Purchased Service

Contract for a computer, computer component or part that is bought which already comes with an Original Manufacturer’s Warranty and/or retailer’s warranty, unless such coverage is provided and administered by the original manufacturer; and

6. repairs not completed at an authorized repair facility or other repair facility acceptable under the Original Manufacturer’s Warranty or using aftermarket parts not approved by the Original Manufacturer’s Warranty.


5 | P a g e 314-400 Rev. 10/01/2020

NO COVERAGE IS PROVIDED FOR: (CONTINUED)

C. An Extended Warranty Covered Event that includes:1. physical damage, including damage as a direct result of Natural Disaster or a power

surge, except to the extent the Original Manufacturer’s Warranty covers suchphysical damage; or

2. Eligible Beneficiary’s participation in a felony, riot, civil disturbance, protest orinsurrection.

D. An Extended Warranty Coverage Period that includes:1. a duration where the combination of the Original Manufacturer’s Warranty coverage

and/or Purchase Service Contract exceeds five (5) years.

If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.

How to File a Claim A. To file a Claim for a Covered Event please visit us at americanexpress.com/onlineclaim

or call 1-800-228-6855, if international, collect at 1-303-273-6498.

B. Notice of Claim should be provided within thirty (30) days of the loss or as soon as reasonably possible.

C. If required, claim forms will be sent to the Eligible Beneficiary once proper Notice of Claim is received. If it is not received within fifteen (15) days from Notice of Claim then the Eligible Beneficiary can submit written communication that describes the circumstances and extent of the Covered Event for which the Claim is made.

Proper Notice of Claim conditions are met by answering all relevant claim intake questions.

D. Proof of Loss must be submitted to Us within sixty (60) days; however, failure to do so will not invalidate a Claim or reduce any available benefit if it can be shown that it was provided as soon as reasonably possible. Examples of Proof of Loss We may require:1. the original itemized store receipt with applicable sales tax included;2. a copy of the Original Manufacturer’s Warranty coverage and any Purchase

Service Contract agreement (if applicable); and3. a photograph of and/or completed repair estimate form.

E. A Claim for benefits will be paid within thirty (30) days (or in accordance with applicable State law) after receipt of satisfactory Proof of Loss and Our determination that such Claim is payable. Any payment made by Us in good faith will fully discharge Us to the extent of such payment.


http://americanexpress.com/onlineclaim

6 | P a g e 314-400 Rev. 10/01/2020

How are benefits paid on installment billing plans? A Claim for benefits related to Covered Purchases under an installment plan will be paid up to the lesser of the Eligible Payment or per item maximum as described in the “What is Covered?” section for

• the total installment plan Eligible Payment as of the date of the Covered Event; or • the last remaining installment plan balance if it has been fully paid with an Eligible

Payment. Billing installments for the same Covered Purchase do not restart the Coverage Period for that Covered Purchase. The Eligible Beneficiary must Cooperate with Us in adjusting the Claim.

Additional Terms & Definitions Additional Terms

A. Assignment The Extended Warranty benefits may not be assigned and any implied assignment is void.

B. Benefit Guide

This Benefit Guide is not, by itself, a policy or contract of insurance or other contract.

The insurance benefits are provided under the Commercial Card Issuer Retail Insurance Policy issued by AMEX Assurance Company to the named Policyholder for which American Express Travel Related Services Company, Inc. participates. This Benefit Guide is a summary of benefits provided to You. All terms and conditions stated herein are governed by the Insurance Policy. In case of a conflict between the Benefit Guide and Insurance Policy, the Insurance Policy shall control. Who is American Express Travel Related Services Company, Inc.? It is a wholly owned subsidiary of American Express who is responsible for offering Extended Warranty benefits to eligible Card Members.

C. Cancellation/Benefit End Date

1. We may cancel these benefits at any time by providing notice to You; or 2. Benefits will end automatically on the earliest of the following:

a. the date when the Eligible Card is cancelled or terminated; and/or b. the date when You are no longer a Card Member.


7 | P a g e 314-400 Rev. 10/01/2020

Additional Terms (Continued)

Are benefits still eligible when the Card Account is no longer active? Yes, if the Eligible Payment is made for a Covered Purchase prior to the effective date of the benefit cancellation.

D. Criminal Activity/FraudAn Eligible Beneficiary’s right to seek or obtain Extended Warranty benefits may be cancelled due to alleged criminal activity, deceit, fraud, material misrepresentation, excessive or abusive Claims.

E. Effective DateYour Extended Warranty benefits take effect for eligible purchases made on and after:• January 1, 2020 when other than a New York State Card Member• October 1, 2020 when a New York State Card MemberThis Benefit Guide replaces any Extended Warranty benefit document You may have received previously for Your Additional Card Benefits. We reserve the right to change the benefits and terms of these benefits at any time.

F. Trade and Economic Sanctions No insurance benefits apply if providing insurance, including Payment of Claims, violates law or regulation, including trade or economic sanctions.

Additional Definitions

Cooperate means the Card Member and the Eligible Beneficiary (or someone acting on the behalf of the Card Member or Eligible Beneficiary) helping Us determine whether the Card Member has a Covered Event, and how much We Pay. This includes things like the Card Member submitting a Claim to Us on time, giving Us the details of what happened, providing Proof of Loss, recorded statement, or permission to obtain documents from third parties, reporting to an appropriate law enforcement agency as soon as reasonably possible, and generally doing whatever is reasonably necessary for Us to honor Our commitment to an Eligible Beneficiary, including recoveries from third parties.

Loyalty Program means the award of points or other measures redeemable for benefits offered by the Loyalty Program, such as reward points earned for using a product or service.

Motorized Devices means machines with a motor or engine or other power source used for agriculture, construction, demolition, landscaping, recreational or transportation purposes. This includes such machines as aircraft, chain saws, generators, golf carts, heaters, motor boats, motor vehicles, motorcycles, refrigerators, scooters and snowmobiles or other items that can be towed by or attached to any Motorized Device, including trailers.

Motorized Device Parts means items subject to combustion, severe wear and tear or mileage stipulations, including components, equipment or parts.


8 | P a g e 314-400 Rev. 10/01/2020

Additional Definitions (Continued) Natural Disaster means hurricanes, floods, tornados, earthquakes or any other event in the course of nature that occurs at the same time or in separate instances that have been declared a Natural Disaster by local authorities or governments. Replacement Cost means the lesser of the cost (including applicable sales tax) to repair with new material or replace with property of like kind and quality or reimbursement of the Eligible Payment.


New York State

EW-DOC 09/17 1 314-400

EXTENDED WARRANTY DESCRIPTION OF COVERAGE

Underwritten by AMEX Assurance Company Administrative Office, 18850 N 56th St, AZ08-02-02, Phoenix, AZ 85054

For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the U.S. Virgin Islands, subject to exclusions and limitations described in this Description of Coverage. We will match the length of the original warranty if the original manufacturer’s warranty is less than one (1) year, or we will provide one (1) additional year if the original manufacturer’s warranty is between one (1) year and f ive (5) years. If the original manufacturer’s warranty exceeds f ive (5) years, the product purchased is not eligible under this Plan and no coverage applies. INDEX Def initions Section I Description of Benefits Section II Exclusions Section III Claims Process Section IV General Provisions Section V Termination or Cancellation Section VI Important Additional Information For You Section VII I. DEFINITIONS Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express® Card Account on which the record of the charge for the item purchased is made. Card Member means a person who has been issued a United States of America based proprietary American Express Card and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Company means AMEX Assurance Company. Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than one (1) year, or one (1) additional year if the original manufacturer’s warranty is between one (1) year and five (5) years. Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one product, as covered by the terms of that product's original warranty, which is valid in the United States of America, Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been charged to Your Account. Master Policyholder means American Express Travel Related Services Company, Inc. Membership Rewards® Points means credits obtained through the Membership Rewards program available with most American Express Cards, which are earned when making certain purchases with such cards. In some cases, participating Card Members receive a redemption certificate in order to use their Membership Rewards points.

New York State

EW-DOC 09/17 2 314-400

Pay with Points is a process that may be available to an individual who accrues American Express Membership Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement credits to off-set some or all of the expense of that item reflected on the individual’s Account statement. Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card Plan means the Policy and the benefits described therein. Policy means the Group Insurance Master Policy (AX0953) issued by the Company to American Express Travel Related Services Company, Inc. We, Us and Our means the Company. You and Your means the Card Member. II. DESCRIPTION OF BENEFITS

What is Covered We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser of the original cost of the item or $10,000, whichever is less. Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or retailer’s authorized repair facility are covered. If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the item. For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account or non-Card Members. Our benef it payment will not include payment of expenses or fees related to shipping and handling, installation, assembly, professional advice, maintenance or other service charges related to the repair, replacement or reimbursement of Your product. Length of Coverage Where a Loss has occurred during the Extended Warranty Period, We will provide a benef it equal to the coverage of the original manufacturer's warranty on warranties of up to five (5) years. If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal to the warranty, up to one (1) additional year. If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed f ive (5) years, the item purchased is not eligible for benefits under this Plan.

New York State

EW-DOC 09/17 3 314-400

If the Card Member is notified that a warranty has ended for any reason (including, but not limited to, bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not to exceed the original manufacturer’s warranty up to one (1) year from the date the Card Member is notified of such event. The Card Member may be asked to provide proof of notification in the form of a public announcement or other official documentation. Only a Card Member has a legal and equitable right to any insurance benefit that may be available under this Plan.

III. EXCLUSIONS General Exclusions Benef its are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: 1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance,

protest or insurrections, service in the armed forces or units auxiliary to it; 2. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a

power surge, except to the extent the original manufacturer's warranty covers such damage; 3. mechanical failure covered under product recall; or 4. f raud or abuse or illegal activity of any kind by the Card Member. Purchases Not Covered The following purchases are not covered: 1. products covered by an unconditional satisfaction guarantee; 2. animals or living plants; 3. consumable or perishable items with extended or limited life spans (including, but not limited to; food,

perfume, light bulbs, batteries); 4. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes)

and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);

5. motorized devices and their parts used for agriculture, landscaping, demolition or construction; 6. motorized devices and their parts which are permanent additions or f ixtures to a residential or

commercial building unless the item can be removed without causing damage to the structure; 7. business f ixtures, including, but not limited to, air conditioners, ref rigerators, heaters and/or any item

that cannot be removed without causing damage to the structure; 8. land or buildings; 9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular

part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;

10. additional service contract or extended warranty coverage for a computer, computer component or part that You buy which already comes with an original United States of America, Puerto Rico or the U.S. Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and administered by the original manufacturer; and

11. items purchased for use as inventory.

IV. CLAIMS PROCESS If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss, including for gif ts purchased on your Account. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete. We will decide whether to do one of the following: 1) have the product repaired; 2) have the product replaced; or 3) reimburse You up to the amount of the item purchased on Your Account.

New York State

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Notice of Claim During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso TX 79998-9920. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of Claim requirements within your original manufacturer’s warranty may vary with respect to date of report versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice Our rights. Proof of Loss If required, a claim form will be sent to You af ter We receive notice of loss. Written proof of loss, which includes the signed claim form and all other requested documentation, must be received within sixty (60) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim, or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box 981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is the Your responsibility to provide all required documentation. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. an Extended Warranty claim form; 2. the original itemized store receipt with applicable sales tax included; 3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service

contract, if applicable; and 4. a repair estimate for the product by an authorized retailer that has been approved by the manufacturer You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible for coverage. Payment of Claims A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. For items purchased under installment billing plans, We will pay the amount that has been billed up to the date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining balance to You.

V. GENERAL PROVISIONS

New York State

EW-DOC 09/17 5 314-400

Change of Permanent Residence You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We will send any and all notices or Plan related materials to Your last known address on file. If You fail to notify Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Description of Coverage, the Policy, the declarations page, and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Changes shall take effect as of the date a replacement Description of Coverage, if any, is issued or the date otherwise agreed upon by the Master Policyholder and the Company. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any reasonable time upon reasonable notice. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any f raudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. No coverage is provided if You, whether before or after a Loss, have: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is

material and is made with the intent to deceive; or 2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss. We may be required to report suspicion of f raudulent activity and/or confirmed f raudulent activity to Your residency state’s Department of Insurance. Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss documentation has been received by Us. No such action may be brought after three (3) years from the time written Proof of Loss documentation is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law. Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable. Subrogation In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights.

New York State

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We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.

VI. TERMINATION OR CANCELLATION Coverage will terminate automatically on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District

of Columbia, Puerto Rico or the U.S. Virgin Islands; 2. the date We notify You of our determination that Your enrollment or claims information contains a

misrepresentation or fraudulent statement or fails to disclose material information; 3. the date You terminate Your Account and are no longer a Card Member; 4. the date Your Account is cancelled by American Express; or 5. the date the Plan is not available in the location where You maintain a Permanent Residence. The Company has the right to cancel this Description of Coverage at any time by sending a written notice at least sixty (60) days in advance to You at Your last known address. The notice will include the reason for cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account prior to the ef fective date of the Company’s cancellation. Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination or cancellation, subject to all other terms of the Plan.

VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU The benef its described herein are subject to all of the terms, conditions, and exclusions of the Policy. This Description of Coverage replaces any prior Description of Coverage which may have been furnished in connection with the Policy. For any questions regarding the benef its described in this Description of Coverage, please call 1-800-228-6855 or International Collect 1-303-273-6498, the number listed on the back of Your card, or the number shown on Your card statement. This Description of Coverage is an important document. Please read it and keep it in a safe place.

IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

Gregory M. Pond Mark W. Musser President Secretary AMEX Assurance Company AMEX Assurance Company

All States (except below), District of Columbia, and U.S. Virgin Islands

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For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the U.S. Virgin Islands, subject to exclusions and limitations described in this Description of Coverage. We will match the length of the original warranty if the original manufacturer’s warranty is less than two (2) years, or we will provide two (2) additional years if the original manufacturer’s warranty is between two (2) years and f ive (5) years. If the original manufacturer’s warranty exceeds f ive (5) years, the product purchased is not eligible under this Plan and no coverage applies. INDEX Def initions Section I Description of Benefits Section II Exclusions Section III Claims Process Section IV General Provisions Section V Termination or Cancellation Section VI Important Additional Information For You Section VII I. DEFINITIONS Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express® Card Account on which the record of the charge for the item purchased is made. Card Member means a person who has been issued a United States of America based proprietary American Express Card and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Company means AMEX Assurance Company. Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s warranty is between two (2) years and five (5) years. Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one product, as covered by the terms of that product's original warranty, which is valid in the United States of America, Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been charged to Your Account. Master Policyholder means American Express Travel Related Services Company, Inc. Membership Rewards® Points means credits obtained through the Membership Rewards program available with most American Express Cards, which are earned when making certain purchases with such cards. In some cases, participating Card Members receive a redemption certificate in order to use their Membership Rewards points.


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Pay with Points is a process that may be available to an individual who accrues American Express Membership Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement credits to off-set some or all of the expense of that item reflected on the individual’s Account statement. Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card Plan means the Policy and the benefits described therein. Policy means the Group Insurance Master Policy (AX0953) issued by the Company to American Express Travel Related Services Company, Inc. We, Us and Our means the Company. You and Your means the Card Member. II. DESCRIPTION OF BENEFITS

What is Covered We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser of the original cost of the item or $10,000, whichever is less. Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or retailer’s authorized repair facility are covered. If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the item. For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account or non-Card Members. Our benef it payment will not include payment of expenses or fees related to shipping and handling, installation, assembly, professional advice, maintenance or other service charges related to the repair, replacement or reimbursement of Your product. Length of Coverage Where a Loss has occurred during the Extended Warranty Period, We will provide a benef it equal to the coverage of the original manufacturer's warranty on warranties of up to five (5) years. If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal to the warranty, up to two (2) additional years. If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed f ive (5) years, the item purchased is not eligible for benefits under this Plan.


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If the Card Member is notified that a warranty has ended for any reason (including, but not limited to, bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not to exceed the original manufacturer’s warranty up to two (2) years from the date the Card Member is notified of such event. The Card Member may be asked to provide proof of notification in the form of a public announcement or other official documentation. Only a Card Member has a legal and equitable right to any insurance benefit that may be available under this Plan.














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Change of Permanent Residence You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We will send any and all notices or Plan related materials to Your last known address on file. If You fail to notify Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Description of Coverage, the Policy, the declarations page, and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Changes shall take effect as of the date a replacement Description of Coverage, if any, is issued or the date otherwise agreed upon by the Master Policyholder and the Company. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any reasonable time upon reasonable notice. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any f raudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. No coverage is provided if You, whether before or after a Loss, have: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is



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AMENDATORY ENDORSEMENTS

To be attached to and made a part of the Description of Coverage/Policy. THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/POLICY. PLEASE READ IT CAREFULLY. Applicable to Residents of Alabama

1. The Legal Actions provision is replaced by the following:

No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss documentation has been received by Us. No such action may be brought af ter six (6) years f rom the time written Proof of Loss is required to be given.

EWPP-END1-AL 09/17 Applicable to Residents of Alaska

1. The opening paragraph to the General Exclusions section is replaced by the following: Benef its are not payable if the Loss\Covered Incident for which coverage is sought was directly or wholly caused by:

2. The Legal Actions provision is replaced by the following: No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss has been received by Us. No such action may be brought af ter three (3) years f rom the time a claim has been denied.

EWPP-END1-AK 09/17 Applicable to Residents of Arkansas

1. The Legal Actions provision is replaced by the following: No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss has been received by Us. No such action may be brought after five (5) years from the time written Proof of Loss is required to be given.

2. The Right of Recovery provision is replaced by the following:

If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us any proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover f rom You any amount exceeding the maximum amount payable, only af ter You have been fully compensated for the loss sustained.

EWPP-END1-AR 09/17 Applicable to Residents of Connecticut

1. The Subrogation provision is replaced by the following: In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all


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Your right of recovery. As permitted by law, You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights.

EWPP-END1-CT 09/17 Applicable to Residents of Kansas

1. Index Section VI is replaced by the following: Cancellation Section VI

2. The following is added to the end of Description of Benefits section:

When Coverage is No Longer Activated Coverage will become inactive:

1. The date You no longer maintain a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands;

2. The date We notify You of our determination that Your enrollment or claims information contains a misrepresentation or fraudulent statement or fails to disclose material information;

3. The date You terminate Your Account and are no longer a Card Member; 4. The date Your Account is cancelled by American Express; or 5. The date the Plan is not available in the location where You maintain a Permanent Residence.

3. The Payment of Claims section is replaced by the following:

A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. For items purchased under installment billing plans, We will pay the amount that has been billed up to the date of Loss/Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining balance to You.

4. The Fraud section is replaced by the following: If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. A "f raudulent insurance act" is an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, a claim for payment or other benef it pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto No coverage is provided if You, whether before or after a Loss/Covered Incident, have: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is

material and is made with the intent to deceive; or


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2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss/Covered Incident.

We may be required to report suspicion of f raudulent activity and/or confirmed f raudulent activity to Your residency state’s Department of Insurance.

5. The Legal Actions section is replaced by the following: No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss documentation has been received by Us. No such action may be brought after five (5) years from the time written Proof of Loss documentation is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law.

6. The Cancellation section is replaced by the following: Coverage may be canceled upon sixty (60) days’ written notice to You at Your last known address for one of the following reasons: 1. nonpayment of premium; 2. the policy was issued because of a material misrepresentation; 3. any insured violated any of the material terms and conditions of the policy; 4. unfavorable underwriting factors, specific to the insured, exist that were not present at the inception of

the policy; 5. a determination by the commissioner that continuation of coverage could place the insurer in a

hazardous financial condition or in violation of the laws of this state; or 6. a determination by the commissioner that the insurer no longer has adequate reinsurance to meet the

insurer's needs. You will be eligible to receive benefits if You fully activated coverage in accordance with this Description of Coverage prior to the ef fective date of cancellation. You will be eligible to receive benefits if You fully activated coverage in accordance with this Description of Coverage prior to the ef fective date of the Company’s cancellation. Cancellation of coverage will not prejudice any No tice of Claim submitted prior to cancellation subject to all other terms of the Policy.

EWPP-END1-KS 09/17 Applicable to Residents of Kentucky

1. The Termination or Cancellation provision is replaced by the following: Coverage will terminate automatically on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District


misrepresentation or fraudulent statement or fails to disclose material information; 3. the date You terminate Your Account and are no longer a Card Member; 4. the date Your Account is cancelled by American Express; or 5. the date the Plan is not available in the location where You maintain a Permanent Residence. The Company has the right to cancel this Description of Coverage at any time by sending a written notice at least seventy-five (75) days in advance to You at Your last known address. The notice will include the reason for cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account prior to the effective date of the Company’s cancellation.


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Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination or cancellation, subject to all other terms of the Plan.

EWPP-END1-KY 09/17 Applicable to Residents of Louisiana

1. The Right to Recovery provision is replaced by the following: If the Company makes any payment under this Policy and the Card Member has the right to recover damages from another, the Company shall be subrogated to that right. However, the Company’s right to recover is subordinate to the Card Member’s right to be fully compensated.

2. The Subrogation provision is replaced by the following: In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights. We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.

EWPP-END1-LA 09/17 Applicable to Residents of Maryland

1. The Legal Action provision is replaced by the following: No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss documentation has been received by Us. No such action may be brought after three (3) years from the date that the action accrues. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law.

2. The second paragraph of the Termination or Cancellation provision is replaced by the following: The Company has the right to cancel this Description of Coverage at any time by sending a written notice at least sixty (60) days in advance to You at Your last known address, by using f irst class mail tracking method. The notice will include the reason for cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account prior to the effective date of the Company’s cancellation.

EWPP-END1-MD 09/17 Applicable to Residents of Minnesota

1. The following is hereby added to the Notice of Claim provision: Providing notice to an agent appointed by Us amounts to notice to Us.

2. The Payment of Claims provision is replaced by the following: A claim for benef its provided by this Plan will be paid within f ive (5) business days af ter Our receipt of satisfactory Proof of Loss documentation and determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will


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fully discharge Us to the extent of such payment.

3. The following is hereby added to the Fraud provision: No oral or written misrepresentation made by You, or on Your behalf, in the negotiation of insurance, shall be deemed material, or defeat or avoid the policy, or prevent its attaching, unless made with intent to deceive and defraud, or unless the matter misrepresented increases the risk of loss.

4. The following is hereby added to the Subrogation provision: We shall not subrogate against any persons or organizations also insured under Our Plan or under any other Policy issued by Us, with respect to the same loss.

EWPP-END1-MN 09/17 Applicable to Residents of Missouri

1. The Notice of Claims section is replaced by the following:

During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso TX 79998-9920. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as reasonably possible. No claim will be denied based upon the insured’s failure to provide notice within such specified time, unless this failure operates to prejudice the rights of the insurer, as per Missouri regulation 20CSR100-1.020. At the time You provide Us with Notice of Claim, We will assist with completion of the Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of Claim requirements within your original manufacturer’s warranty may vary with respect to date of report versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice Our rights.

2. The f irst paragraph of the Proof of Loss section is replaced by the following: If required, a claim form will be sent to You af ter We receive notice of loss. Written proof of loss, which includes the signed claim form and all other requested documentation, must be received within sixty (60) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim, or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box 981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.

3. The Legal Action provision is replaced by the following: No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss documentation has been received by Us. No such action may be brought after ten (10) years from the time written Proof of Loss documentation is required to be given.


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If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law.

EW-END1-MO 09/17 Applicable to Residents of Montana

1. The following statement is added to the face page of the Description of Coverage:

If there is a discrepancy between Policy and the Description of Coverage, the Description of Coverage governs.

2. The Conformity with State and Federal Law section is replaced by the following: Conformity with Montana Statutes If a Plan provision does not conform to applicable provisions of Montana statutes, the Plan is hereby amended to comply with such statutes.

3. The Termination or Cancellation section is replaced by the following: Coverage will terminate automatically on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District


misrepresentation or fraudulent statement or fails to disclose material information; 3. the date You terminate Your Account and are no longer a Card Member; 4. the date Your Account is cancelled by American Express; or 5. the date the Plan is not available in the location where You maintain a Permanent Residence. The Company has the right to cancel this Description of Coverage at any time by sending a written notice at least sixty (60) days in advance to You at Your last known address. Coverage may be cancelled for one of the following reasons: 1. nonpayment of premium; 2. material misrepresentation; 3. substantial change in the risk assumed, except to the extent that the insurer should reasonably have

foreseen the change or contemplated the risk when the contract was written; 4. substantial breaches of contractual duties, conditions, or warranties; 5. determination by the commissioner that continuation of the policy would place the insurer in violation

of this code; 6. f inancial impairment of the insurer; or 7. any other reason approved by the commissioner. You will be eligible to receive benefits if the item purchased is made on Your Account prior to the effective date of the Company’s cancellation. Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination or cancellation, subject to all other terms of the Plan.

EWPP-END1-MT 09/17 Applicable to Residents of Nevada

1. Index Section VI is replaced by the following:


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Cancellation Section VI

2. The following is added to the end of Description of Benefits section: When Coverage is No Longer Activated Coverage will become inactive:

1. The date You no longer maintain a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands;

2. The date You terminate Your Account and are no longer a Card Member; 3. The date Your Account is cancelled by American Express; or 4. The date the Plan is not available in the location where You maintain a Permanent Residence.

Termination of coverage will not prejudice any Notice of Claim submitted prior to termination, subject to all other terms of the Plan.

3. The Cancellation section is replaced by the following: The Company has the right to cancel this Description of Coverage at any time by sending written notice at least sixty (60) days in advance to You at Your last known address for one of the following reasons: 1. Conviction of the insured of a crime arising out of acts increasing the hazard insured against; 2. Discovery of fraud or material misrepresentation in the obtaining of the policy or in the presentation of

a claim thereunder; 3. Discovery of an act or omission; or a violation of any condition of the policy, which occurred af ter the

f irst effective date of the current policy and substantially and materially increases the hazard insured against;

4. A material change in the nature or extent of the risk, occurring after the first effective date of the current policy, which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the policy was issued or last renewed;

5. A determination by the Commissioner that continuation of the insurer's present volume of premiums would jeopardize the insurer's solvency or be hazardous to the interests of policyholders of the insurer, its creditors or the public;

6. A determination by the Commissioner that the continuation of the policy would violate, or place the insurer in violation of, any provision of the Code.

The notice will include the reason for cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account and you have fully activated coverage in accordance with this Description of Coverage prior to the effective date of the Company’s cancellation. Cancellation of coverage will not prejudice any Not ice of Claim submitted prior to cancellation, subject to all other terms of the Plan.

EWPP-END1-NV 09/17 Applicable to Residents of Oklahoma

1. The following is added to the first page:

Fraud: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

2. The opening paragraph to Important Additional Information For You section is replaced by the following: The benef its described herein are subject to all of the terms, conditions, and exclusions of the Description of Coverage issued to Card Members whose Permanent Residence is Oklahoma. This Description of


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Coverage replaces any prior Description of Coverage which may have been furnished in connection with the Policy. For any questions regarding the benefits described in this Description of Coverage, please call 1-800-228-6855 or International Collect 1-303-273-6498, the number listed on the back of Your card, or the number shown on Your card statement.

EWPP-END1-OK 09/17 Applicable to Residents of South Dakota


No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss documentation has been received by Us. No such action may be brought after six (6) years from the time written Proof of Loss documentation is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law.

EW/PP-END1-SD 09/17 Applicable to Residents of United States Virgin Islands

1. The Policy definition is replaced by the following: Policy means the Group Insurance Master Policy (AX0951-VI or AX0953-VI) issued by the Company to American Express Travel Related Services Company, Inc.

2. The Payment of Claims section is replaced by the following: Payment of Claims A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. For items purchased under installment billing plans, We will pay the amount that has been billed up to the date of Loss/Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining balance to You.

3. The paragraph on Company Cancellation is hereby replaced by the following: The Company can cancel this Description of Coverage or any endorsement or rider at any time for any reason including but not necessarily limited to:

a. non-Payment of premium by the Master Policyholder; b. high loss experience; or c. a Company decision to stop underwriting this kind of insurance.

The Card Member has the right to know and/or request the grounds on which this Description of Coverage is cancelled. To that effect, the Company must provide thirty (30) days written notice, actually delivered or mailed by certified mail, prior to the date cancellation is ef fective, indicating in such notice the reason for cancellation. You will be eligible to receive benefits if You fully activated coverage in accordance with this Description of Coverage prior to the effective date of the Company’s cancellation. If the Company cancels,


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the Master Policyholder must assist the Company in notifying Card Members of the date their insurance is cancelled.

EWPP-END1-VI 09/17 Applicable to Residents of Utah

1. The opening paragraph to the General Exclusions section is replaced by the following: Benef its are not payable if the Loss for which coverage is sought was directly or wholly caused by:

2. The following is hereby added to the Proof of Loss provision: Failure to provide Proof of Loss within sixty (60) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that proof of loss was provided as soon as reasonably possible. No claim will be denied based upon Your failure to provide proof of loss within such specified time, unless this failure operates to prejudice Our rights.

EWPP-END1-UT 09/17 Applicable to Residents of Vermont

1. The f irst paragraph of the Notice of Claim provision is replaced by the following:

During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the Loss/ Covered Incident or as soon as practicable. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Extended Warranty Claims Unit, PO Box 981553, El Paso TX 79998-9920.

2. The Payment of Claim section is replaced by the following: A claim for benefits provided by this Plan will be paid within ten (10) days upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. For items purchased under installment billing plans, We will pay the amount that has been billed up to the date of Loss /Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining balance to You.

EWPP-END1-VT 09/17 Applicable to Residents of West Virginia

1. The f irst paragraph of Payment of Claims has been replaced with:

A claim for benefits provided by this Plan will be paid within f ifteen (15) days upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan.

EWPP-END1-WV 09/17


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Applicable to Residents of Wyoming

1. The Payment of Claims section is replaced by the following: A claim for benefits provided by this Plan will be paid within forty-five (45) days upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. For items purchased under installment billing plans, We will pay the amount that has been billed up to the date of Loss\Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining balance to You.

2. The Legal Actions provision is replaced by the following: No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss has been received by Us. No such action may be brought after four (4) years from the time written Proof of Loss is required to be given.

EWPP-END1-WY 09/17

ALL OTHER TERMS AND CONDITIONS OF THE DESCRIPTION OF COVERAGE/POLICY REMAIN UNCHANGED.



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Other State Notices Questions regarding your policy or coverage should be directed to: AMEX Assurance Company Complaints Department PO Box 53701 AZ08-02-02 Phoenix, AZ 85072-9872 You may call the toll-free number at 1-800-228-6855. If you have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance: FOR ARKANSAS RESIDENTS Arkansas Insurance Department Consumer Services Division 1200 West Third Street Little Rock, AR 72201-1904 1-501-371-2640 or 1-800-852-5494

FOR CALIFORNIA RESIDENTS California Department of Insurance Consumer Services Division 300 South Spring Street, South Tower Los Angeles, CA 90013 www.insurance.ca.gov Consumer Hotline: 1-800-927-4357

FOR IDAHO RESIDENTS Idaho Department of Insurance Consumer Affairs 700 W State Street, 3rd Floor PO Box 83720 Boise ID 83720-0043 1-800-721-3272 or 1-208-334-4250 or www.DOI.Idaho.gov

FOR ILLINOIS RESIDENTS Illinois Department of Insurance 320 West Washington Street Springfield, IL 62767-0001

FOR VIRGINIA RESIDENTS IMPORTANT INFORMATION REGARDING YOUR INSURANCE In the event you need to contact someone about this insurance for any reason, please contact your agent. If no agent was involved in the sale of this insurance, or if you have additional questions, you may contact the insurance company issuing this insurance at the following address and telephone number: AMEX Assurance Company Complaints Department PO Box 53701 AZ08-02-02 Phoenix, AZ 85072-9872 You may call the toll-free number at 1-800-228-6855. If you have been unable to contact or obtain satisfaction f rom the company or the agent, you may contact the Virginia State Corporation Commission's Bureau of Insurance at:


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State Corporation Commission Bureau of Insurance PO Box 1157 Richmond, VA 23218 1-877-310-6560 or TDD 1-804-371-9206 Written correspondence is preferable so that a record of your inquiry is maintained. When contacting your agent, company or the Bureau of Insurance, have your policy number available. FOR WISCONSIN RESIDENTS KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE? – If you are having problems with your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve your problem. AMEX Assurance Company Complaints Department PO Box 53701 AZ08-02-02 Phoenix, AZ 85072-9872 You may call the toll-free number at 1-800-288-6855. You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which enforces Wisconsin’s insurance laws, and f ile a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by contacting: Of f ice of the Commissioner of Insurance Complaints Department PO Box 7873 Madison, WI 53707-7873 1-800-236-8517 1-608-266-0103

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EXTENDED WARRANTY INSURANCE POLICY


For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the U.S. Virgin Islands, subject to exclusions and limitations described in this Insurance Policy. We will match the length of the original warranty if the original manufacturer’s warranty is less than two (2) years, or we will provide two (2) additional years if the original manufacturer’s warranty is between two (2) years and f ive (5) years. If the original manufacturer’s warranty exceeds f ive (5) years, the product purchased is not eligible under this Plan and no coverage applies. INDEX Def initions Section I Description of Benefits Section II Exclusions Section III Claims Process Section IV General Provisions Section V Termination or Cancellation Section VI Important Additional Information For You Section VII I. DEFINITIONS Certain words used in this Insurance Policy are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express® Card Account on which the record of the charge for the item purchased is made. American Express Card means any card bearing an American Express trademark or logo authorized by American Express Travel Related Services Company Inc., or its subsidiaries or af f iliates, which can be used to purchase goods or services at merchants on the American Express Network and which American Express Travel Related Services Company, Inc. designates as eligible for coverage under the Policy. Card Member means a person who has been issued a United States of America based proprietary American Express Card and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Company means AMEX Assurance Company. Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s warranty is between two (2) years and five (5) years. Insurance Policy or Policy means the contract issued to the Policyholder provided the benefits described herein. Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one product, as covered by the terms of that product's original warranty, which is valid in the United States of America, Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been charged to Your Account.

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Membership Rewards® Points means credits obtained through the Membership Rewards program available with most American Express Cards, which are earned when making certain purchases with such cards. In some cases, participating Card Members receive a redemption certificate in order to use their Membership Rewards points. Pay with Points is a process that may be available to an individual who accrues American Express Membership Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement credits to off-set some or all of the expense of that item reflected on the individual’s Account statement. Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card Plan means the Policy and the benefits described therein. Policyholder means Card Member. We, Us and Our means the Company. You and Your means the Card Member. II. DESCRIPTION OF BENEFITS

What is Covered We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser of the original cost of the item or $10,000, whichever is less. Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or retailer’s authorized repair facility are covered. If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the item. For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account or non-Card Members. Our benef it payment will not include payment of expenses or fees related to shipping and handling, installation, assembly, professional advice, maintenance or other service charges related to the repair, replacement or reimbursement of Your product. Length of Coverage Where a Loss has occurred during the Extended Warranty Period, We will provide a benef it equal to the coverage of the original manufacturer's warranty on warranties of up to five (5) years. If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal to the warranty, up to two (2) additional years.

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If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed f ive (5) years, the item purchased is not eligible for benefits under this Plan. If the Card Member is notified that a warranty has ended for any reason (including, but not limited to, bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not to exceed the original manufacturer’s warranty up to two (2) years from the date the Card Member is notified of such event. The Card Member may be asked to provide proof of notification in the form of a public announcement or other official documentation. Only a Card Member has a legal and equitable right to any insurance benefit that may be available under this Plan.












IV. CLAIMS PROCESS If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss, including for gif ts purchased on your Account. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

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We will decide whether to do one of the following: 1) have the product repaired; 2) have the product replaced; or 3) reimburse You up to the amount of the item purchased on Your Account. Notice of Claim During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso TX 79998-9920. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of Claim requirements within your original manufacturer’s warranty may vary with respect to date of report versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice Our rights. Proof of Loss If required, a claim form will be sent to You af ter We receive notice of loss. Written proof of loss, which includes the signed claim form and all other requested documentation, must be received within sixty (60) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim, or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box 981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is the Your responsibility to provide all required documentation. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. an Extended Warranty claim form; 2. the original itemized store receipt with applicable sales tax included; 3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service


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V. GENERAL PROVISIONS Assignment This Policy may not be assigned and any purported assignment is void. Change of Permanent Residence You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We will send any and all notices or Plan related materials to Your last known address on file. If You fail to notify Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Policy may be changed at any time by written agreement by the Company. Changes shall take ef fect as of the date a replacement Policy is issued or the date otherwise communicated by the Company. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any f raudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. No coverage is provided if You, whether before or after a Loss, have: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is

material and is made with the intent to deceive; or 2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss. We may be required to report suspicion of f raudulent activity and/or confirmed f raudulent activity to Your residency state’s Department of Insurance. Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss documentation has been received by Us. No such action may be brought after three (3) years from the time written Proof of Loss documentation is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law. Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable. Subrogation In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively

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bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights. We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.



misrepresentation or fraudulent statement or fails to disclose material information; 3. the date You terminate Your Account and are no longer a Card Member; 4. the date Your Account is cancelled by American Express; or 5. the date the Plan is not available in the location where You maintain a Permanent Residence. The Company has the right to cancel this Policy or any endorsement or rider at any time by sending a written notice at least sixty (60) days in advance to You at Your last known address. The notice will include the reason for cancellation. You will be eligible to receive benefits if You fully activated coverage in accordance with this Policy prior to the effective date of the Company’s cancellation. Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination or cancellation, subject to all other terms of the Plan.

VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU The benef its described herein are subject to all of the terms, conditions, and exclusions of the Policy. This Policy replaces any prior Policy which may have been issued to You. For any questions regarding the benef its described in this Policy, please call 1-800-228-6855 or International Collect 1-303-273-6498, the number listed on the back of Your card, or the number shown on Your card statement. This Policy is an important document. Please read it and keep it in a safe place.

IN WITNESS WHEREOF, We have caused this Insurance Policy to be signed by Our officers:


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AMENDATORY ENDORSEMENT

To be attached to and made a part of the Description of Coverage/Policy. THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/POLICY. PLEASE READ IT CAREFULLY. Applicable to Residents of Texas

1. The Proof of Loss provision is replaced by the following: If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which includes the signed claim form and all other requested documentation, must be received within ninety (90) days af ter We have provided You with instructions and/or a claim form in response to Your Notice of Claim, or Your claim may be denied. The proof of loss must be sent to: AMEX Assurance Company Claims Unit, PO Box 981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within ninety (90) days of Our request (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.

2. The Payment of Claims provision is replaced by the following: Within 15 days after our receipt of proof of loss documentation and all information requested, We will provide You notification in writing as to whether:

a. the claim or part of the claim will be paid; or b. the claim or part of the claim has been denied, and inform You:

i. of the reasons for denial; ii. more information is necessary; or iii. We need additional time to reach a decision. If additional time is needed, We will

inform You of the reasons for such need. If We have notif ied You that additional time is needed to reach a decision, We will either approve or deny the claim within 45 days of such notice. We will pay for a covered loss within 5 days after we have notified you that payment of the claim or part of the claim will be made. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. For items purchased under installment billing plans, We will pay the amount that has been billed up to the date of Loss/Covered Incident. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining balance to You.

3. The following is hereby added to the Fraud section: Coverage cannot be forfeited unless the material misrepresentation was shown at trial that the matter misrepresented:

a. was material to the risk; or b. contributed to the contingency or event on which the Policy became due and payable.


No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time a claim has been denied.

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5. The following is hereby added to the Termination or Cancellation section: We may not cancel or non-renew this Policy based solely on the fact that You are an elected official.

ALL OTHER TERMS AND CONDITIONS OF THE DESCRIPTION OF COVERAGE/POLICY REMAIN

UNCHANGED.


EWPP-TX-END1 09/17

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IMPORTANT NOTICE To obtain information or make a complaint: You may call AMEX Assurance Company’s toll-free

telephone number for information or to make a complaint at:

1-800-228-6855

You may also write to AMEX Assurance Company at:

PO Box 53701 AZ08-02-02

Phoenix, AZ 85072-9872 You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights

or complaints at:

1-800-252-3439 You may write the Texas Department of Insurance:

PO Box 149104 Austin, TX 78714-9104

Fax: 1-512-490-1007 Web: www.tdi.texas.gov

E-mail: [email protected]

PREMIUM OR CLAIM DISPUTES: Should you have a dispute concerning your premium

or about a claim, you should contact the company f irst. If the dispute is not resolved, you may contact

the Texas Department of Insurance.

ATTACH THIS NOTICE TO YOUR POLICY:

This notice is for information only and does not become a part or condition of the attached document.

AVISO IMPORTANTE

Para obtener información o para presentar una queja: Usted puede llamar al número de teléfono gratuito de

AMEX Assurance Company’s para obtener información o para presentar una queja al:

1-800-228-6855

Usted también puede escribir a AMEX Assurance

Company: PO Box 53701

AZ08-02-02 Phoenix, AZ 85072-9872

Usted puede comunicarse con el Departamento de Seguros de Texas para obtener información sobre

compañías, coberturas, derechos, o quejas al:

1-800-252-3439 Usted puede escribir al Departamento de Seguros de

Texas a: PO Box 149104

Austin, TX 78714-9104 Fax: 1-512-490-1007

Sitio web: www.tdi.texas.gov E-mail: [email protected]

DISPUTAS POR PRIMAS DE SEGUROS O

RECLAMACIONES: Si tiene una disputa relacionada con su prima de

seguro o con una reclamación, usted debe comunicarse con la compañía primero. Si la disputa

no es resuelta, usted puede comunicarse con el Departamento de Seguros de Texas.

ADJUNTE ESTE AVISO A SU PÓLIZA:

Este aviso es solamente para propósitos informativos y no se convierte en parte o en condición del

documento adjunto.

mailto:[email protected]

Guam and Northern Mariana Islands

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EXTENDED WARRANTY

DESCRIPTION OF COVERAGE Tokio Marine Pacific Insurance Limited

Extended Warranty will extend the terms of the original manufacturer's warranty for a period of time equal to the duration of the original manufacturer's warranty, up to one (1) additional year (Centurion Cardmembers up to (3) three additional years) on warranties of f ive (5) years or less that are eligible in the United States of America, Guam, or the Commonwealth of the Northern Marianas. (See Description of Benefits Section) The coverage provided under this benef it is EXCESS of other sources of indemnity. DEFINITIONS Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express Card Account. Cardmember means a person or Sponsoring Organization who has been issued a United States based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence of Guam, or the Commonwealth of the Northern Marianas. Company means Tokio Marine Pacif ic Insurance Limited, and its duly authorized agents. Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable. Loss means the product malfunction which necessitates the repair or replacement of any one product, as covered by the terms of that product's original warranty which is valid in the United States of America, Guam or the Commonwealth of the Northern Marianas when the expense of the purchase, whether for Your use or as a gif t, has been charged to Your Account. Master Policyholder means American Express Travel Related Services Company, Inc. Permanent Residence means the one primary dwelling place where the Cardmember resides and to

which they intend to return. Plan means the Policy and the benef its described therein. Policy means the Group Insurance Master Policy CRCB000000109. We, Us, Our means the Company. You, Your means the Cardmember. DESCRIPTION OF BENEFITS Where a Loss has occurred during this Plan's extended warranty time period of up to one (1) additional year (Centurion Cardmembers up to (3) three additional years), We will provide a benefit equal to the coverage of the original manufacturer's warranty on warranties of up to five (5) years. We will pay up to the actual amount charged to Your Account for the product for which a Loss is claimed, but not to exceed $10,000. If the product also is covered by a purchased service contract, this Plan's extended warranty time period begins at the end of the service contract and extends the original manufacturer's warranty for a period of time equal to that warranty, up to one (1) additional year (Centurion Cardmembers up to (3) three additional years). If the combined coverage of the original manufacturer's warranty and the purchased service contract exceed f ive (5) years, the product purchased is not eligible under this Plan and no coverage applies. Extended Warranty does not reimburse for shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges. If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for all Losses in a calendar year. Our benefit payment will not include any product rebates, discounts or money received f rom the lowest price comparison programs that reduced the original cost of the property. Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing.


TMPI-EW-09 2 314-332

Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan. EXCLUSIONS Benef its are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: 1. any physical damage, including, but not limited to,

damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer's warranty covers such damage;

2. mechanical failure covered under product recall; or 3. f raud or abuse or illegal activity of any kind by the

Cardmember. PURCHASES NOT COVERED The following are not covered: 1. products covered by an unconditional satisfaction

guarantee; 2. motorized vehicles (including, but not limited to,

passenger cars, trucks, motorcycles, boats, airplanes) and their parts, subject to high risk, combustible, wear and tear or mileage stipulations (including, but not limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, or mufflers);

3. motorized devices and their parts used for agriculture, landscaping, demolition or construction;

4. motorized devices and their parts which are permanent additions or f ixtures to a residential or commercial building;

5. business f ixtures, including, but not limited to, air conditioners, refrigerators, heaters;

6. land or buildings; 7. consumable or perishable items; 8. animals or living plants; 9. more than one article in a pair or set. Coverage will

be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;

10. items still under installment billing; 11. additional service contract or extended warranty

coverage for a computer, computer component or part that You buy which already comes with an original manufacturer's warranty f rom the United States of America, Guam, or the Commonwealth of the Northern Marianas, unless such coverage is provided and administered by the original manufacturer; and

12. items purchased for resale, professional, or commercial use (this only applies for Consumer

Cardmembers, this is removed for Open Cardmembers).

CLAIMS PROVISIONS If You experience a Loss for which You believe a benef it is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. We will decide whether to have the product repaired or replaced, or to reimburse You up to the amount of the item purchased on Your Card. To insure prompt processing of Your claim retain Your American Express charge receipts, Your original purchase receipts, all warranty or service contract documents, as well as the defective property, should be retained by You and furnished to Us as We may require to establish Your Proof of Loss. Notice of Claim Notice of Claim should be provided to Us within thirty (30) days of the Loss. You may contact Us by calling toll-f ree stateside 1-800-228-6855 or, if from overseas, by calling collect 1-303-273-6498 You may also write to Us at Extended Warranty, PO Box 981553, El Paso TX 79998-9920. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. Proof of Loss Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within thirty (30) days after We have provided You with instructions and/or documentation in response to Your Notice of Claim or Your claim may be denied. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is


TMPI-EW-09 3 314-332

received. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. the American Express charge receipt; 2. the original itemized store receipt; 3. a copy of the manufacturer's warranty; 4. service contract; and 5. a repair estimate for the product. No payment will be made on claims not substantiated in the manner required by Us. If all required documentation is not received within thirty (30) days of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request. You may be required to mail the product to Us at Your expense for further evaluation of Your claim. If requested, You must mail it within thirty (30) days from the date of request to remain eligible for coverage. Payment of Claim A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. lf other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benef it which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section. GENERAL PROVISIONS Change of Permanent Residence If the change is to a dif ferent state, Your Policy provisions may be adjusted to conform to the requirements of that state. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with Local and Federal Law lf a Plan provision does not conform to applicable

provisions of Local or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of Tokio Marine Pacific Insurance Limited may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time by providing notice to You. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time. Excess Coverage If any Loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such Loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such Loss is in excess of the amount of such other insurance which is payable or paid. Fraud If any request for benefits made under the Plan is determined to be f raudulent or if any f raudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. We do not provide coverage to a Cardmember who, whether before or after a Loss, has: 1. concealed or misrepresented any fact upon which

we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or

2. concealed or misrepresented any fact if the fact misrepresented contributes to the Loss.

Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years f rom the time written Proof of Loss is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law.


TMPI-EW-09 4 314-332

Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benef its of this Plan, We have the right to recover f rom You any amount exceeding the maximum amount payable. Subrogation In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights. We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party. Termination or Cancellation Coverage will cease on the earliest of the following: 1. The date You no longer maintain a Permanent

Residence in Guam, or the Commonwealth of the Northern Marianas;

2. the date We determine that You or someone on Your behalf intentionally misrepresented or f raud occurred;

3. the date the Policy is cancelled; 4. the date You are no longer a Cardmember; 5. the date Your Account ceases to be Current and in

Good Standing; or 6. the date the Plan is not available in the location

where You maintain a Permanent Residence. Termination or cancellation of coverage will not prejudice any claim originating prior to termination or

cancellation subject to all other terms of the Policy. The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. IMPORTANT ADDITIONAL INFORMATION FOR YOU If the Cardmember is notif ied that any warranty has ended for any reason (including, but not limited to, bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not to exceed the original manufacturer's warranty up to one (1) year (Centurion Cardmembers up to (3) three additional years) f rom the date the Cardmember is notif ied of such event. The Cardmember may be asked to provide proof in the form of a public announcement or other official documentation. For those eligible and enrolled in the Membership Rewards® program, a product is eligible for coverage under this Plan if it was purchased through redemption of a Membership Rewards redemption certif icate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, which are indicated in Description of Benef its section. Benef its will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non-Cardmembers. This Description of Coverage replaces any other Description of Coverage that You may have previously received for Extended Warranty or its predecessor plan, Buyer's Assurance Plan. This Description of Coverage is an important document. Please read it and keep it in a safe place. IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

Indiana

EW-IND2-IN 09/17 1 314-332



For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the U.S. Virgin Islands, subject to exclusions and limitations described in this Insurance Policy. We will match the length of the original warranty if the original manufacturer’s warranty is less than one (1) year, or we will provide one (1) additional year if the original manufacturer’s warranty is between one (1) year and f ive (5) years. If the original manufacturer’s warranty exceeds f ive (5) years, the product purchased is not eligible under this Plan and no coverage applies. INDEX Def initions Section I Description of Benefits Section II Exclusions Section III Claims Process Section IV General Provisions Section V Termination or Cancellation Section VI Important Additional Information For You Section VII I. DEFINITIONS Certain words used in this Insurance Policy are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express® Card Account on which the record of the charge for the item purchased is made. American Express Card means any card bearing an American Express trademark or logo authorized by American Express Travel Related Services Company Inc., or its subsidiaries or af f iliates, which can be used to purchase goods or services at merchants on the American Express Network and which American Express Travel Related Services Company, Inc. designates as eligible for coverage under the Policy. Card Member means a person who has been issued a United States of America based proprietary American Express Card and who has a Permanent Residence in the 50 United States of America, or the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Company means AMEX Assurance Company. Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than one (1) year, or one (1) additional year if the original manufacturer’s warranty is between one (1) year and five (5) years. Insurance Policy or Policy means the contract issued to the Policyholder provided the benefits described herein. Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one product, as covered by the terms of that product's original warranty, which is valid in the United States of America, Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been charged to Your Account.

Indiana

EW-IND2-IN 09/17 2 314-332


What is Covered We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000 whichever is less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser of the original cost of the item or $10,000, whichever is less. Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or retailer’s authorized repair facility are covered. If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the item. For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account or non-Card Members. Our benef it payment will not include payment of expenses or fees related to shipping and handling, installation, assembly, professional advice, maintenance or other service charges related to the repair, replacement or reimbursement of Your product. Length of Coverage Where a Loss has occurred during the Extended Warranty Period, We will provide a benef it equal to the coverage of the original manufacturer's warranty on warranties of up to five (5) years. If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal to the warranty, up to one (1) additional year.

Indiana

EW-IND2-IN 09/17 3 314-332

If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed f ive (5) years, the item purchased is not eligible for benefits under this Plan. If the Card Member is notified that a warranty has ended for any reason (including, but not limited to, bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not to exceed the original manufacturer’s warranty up to one (1) year from the date the Card Member is notified of such event. The Card Member may be asked to provide proof of notification in the form of a public announcement or other official documentation. Only a Card Member has a legal and equitable right to any insurance benefit that may be available under this Plan.












IV. CLAIMS PROCESS If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss, including for gif ts purchased on your Account. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

Indiana

EW-IND2-IN 09/17 4 314-332



Indiana

EW-IND2-IN 09/17 5 314-332

V. GENERAL PROVISIONS Assignment This Policy may not be assigned and any purported assignment is void. Change of Permanent Residence You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We will any and all send notices or Plan related materials to Your last known address on file. If You fail to notify Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Policy and any applications, endorsements or riders make up the entire contract. Any statement You or the Authorized Driver make is a representation and not a warranty. This Policy may be changed at any time by written agreement by the Company. Changes shall take ef fect as of the date a replacement Policy is issued or the date otherwise communicated by the Company. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any f raudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. No coverage is provided if You, whether before or after a Loss, have: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is


Indiana

EW-IND2-IN 09/17 6 314-332








Indiana

314-332

Other State Notices FOR INDIANA RESIDENTS Questions regarding your policy or coverage should be directed to: AMEX Assurance Company 1-800-228-6855 If you (a) need the assistance of the governmental agency that regulates insurance or (b) have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or email: State of Indiana Department of insurance Consumer Services Division 311 West Washington Street, Suite 300 Indianapolis, IN 46204-2787 Consumer Hotline: 1-800-622-4461; 1-317-232-2395. Complaints can be filed electronically at www.in.gov/idoi

Oregon

EW-IND-OR 09/17 1 314-332



For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's warranty on warranties of five (5) years or less that are eligible in the United States of America, Puerto Rico or the U.S. Virgin Islands, subject to exclusions and limitations described in this Insurance Policy. We will match the length of the original warranty if the original manufacturer’s warranty is less than two (2) years, or we will provide two (2) additional years if the original manufacturer’s warranty is between two (2) years and f ive (5) years. If the original manufacturer’s warranty exceeds f ive (5) years, the product purchased is not eligible under this Plan and no coverage applies. INDEX Def initions Section I Description of Benefits Section II Exclusions Section III Claims Process Section IV General Provisions Section V Termination or Cancellation Section VI Important Additional Information For You Section VII I. DEFINITIONS Certain words used in this Insurance Policy are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express® Card Account on which the record of the charge for the item purchased is made. American Express Card means any card bearing an American Express trademark or logo authorized by American Express Travel Related Services Company Inc., or its subsidiaries or af f iliates, which can be used to purchase goods or services at merchants on the American Express Network and which American Express Travel Related Services Company, Inc. designates as eligible for coverage under the Policy. Card Member means a person who has been issued a United States of America based proprietary American Express Card and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Company means AMEX Assurance Company. Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s warranty is between two (2) years and five (5) years. Insurance Policy or Policy means the contract issued to the Policyholder provided the benefits described herein. Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one product, as covered by the terms of that product's original warranty, which is valid in the United States of America, Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been charged to Your Account.

Oregon

EW-IND-OR 09/17 2 314-332



Oregon

EW-IND-OR 09/17 3 314-332













IV. CLAIMS PROCESS If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss, including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

Oregon

EW-IND-OR 09/17 4 314-332

We will decide whether to do one of the following: 1) have the product repaired; 2) have the product replaced; or 3) reimburse You up to the amount of the item purchased on Your Account. Notice of Claim During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the Loss. You may contact the Company by calling toll-free stateside 1-800-228-6855 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso TX 79998-9920. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. Our Plan matches the terms of and extends Your original manufacturer’s warranty. Therefore, Notice of Claim requirements within your original manufacturer’s warranty may vary with respect to date of report versus date of loss. Please review Your original manufacturer’s warranty for further details. No claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice Our rights. Proof of Loss If required, a claim form will be sent to You af ter We receive notice of loss. Written proof of loss, which includes the signed claim form and all other requested documentation, must be received within ninety (90) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim, or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box 981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within ninety (90) days of Our request (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is the Your responsibility to provide all required documentation. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. an Extended Warranty claim form; 2. the original itemized store receipt with applicable sales tax included; 3. a copy of the original manufacturer’s warranty and any additional retailer’s warranty and/or service


Oregon

EW-IND-OR 09/17 5 314-332

V. GENERAL PROVISIONS Assignment This Policy may not be assigned and any purported assignment is void. Change of Permanent Residence You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We will any and all send notices or Plan related materials to Your last known address on file. If You fail to notify Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Policy may be changed at any time by written agreement by the Company. Changes shall take ef fect as of the date a replacement Policy is issued or the date otherwise communicated by the Company. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any f raudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. No coverage is provided if You, whether before or after a Loss, have: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is


Oregon

EW-IND-OR 09/17 6 314-332








Puerto Rico

EW-DOC2-PR 09/17 1 314-332



For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's warranty on warranties of five (5) years or less that are eligible in the United States of America, or Puerto Rico or the U.S. Virgin Islands, subject to exclusions and limitations described in this Description of Coverage. We will match the length of the original warranty if the original manufacturer’s warranty is less than one (1) year, or we will provide one (1) additional year if the original manufacturer’s warranty is between one (1) year and five (5) years. If the original manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan and no coverage applies. INDEX Def initions Section I Description of Benefits Section II Exclusions Section III Claims Process Section IV General Provisions Section V Termination or Cancellation Section VI Important Additional Information For You Section VII I. DEFINITIONS Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express® Card Account on which the record of the charge for the item purchased is made. Card Member means a person who has been issued a United States of America based proprietary American Express Card and who has a Permanent Residence in the 50 United States of America, or the District of Columbia, or Puerto Rico or the U.S. Virgin Islands. Company means AMEX Assurance Company. Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than one (1) year, or one (1) additional year if the original manufacturer’s warranty is between one (1) year and five (5) years. Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one product, as covered by the terms of that product's original warranty, which is valid in the United States of America, or Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been charged to Your Account. Master Policyholder means American Express Travel Related Services Company, Inc. Membership Rewards® Points means credits obtained through the Membership Rewards program available with most American Express Cards, which are earned when making certain purchases with such cards. In some cases, participating Card Members receive a redemption certificate in order to use their Membership Rewards points.

Puerto Rico

EW-DOC2-PR 09/17 2 314-332

Pay with Points is a process that may be available to an individual who accrues American Express Membership Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement credits to off-set some or all of the expense of that item reflected on the individual’s Account statement. Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card Plan means the Policy and the benefits described therein. Policy means the Group Insurance Master Policy (EW-MP 09/17) issued by the Company to American Express Travel Related Services Company, Inc. We, Us and Our means the Company. You and Your means the Card Member. II. DESCRIPTION OF BENEFITS

What is Covered We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser of the original cost of the item or $10,000, whichever is less. Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or retailer’s authorized repair facility are covered. If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the item. For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account or non-Card Members. Our benef it payment will not include payment of expenses or fees related to shipping and handling, professional advice, maintenance or other service charges related to the repair, replacement or reimbursement of Your product. Length of Coverage Where a Loss has occurred during the Extended Warranty Period, We will provide a benef it equal to the coverage of the original manufacturer's warranty on warranties of up to five (5) years. If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end of the purchased service contract and extends the original manufacturer’s warranty for a period of time equal to the warranty, up to one (1) additional year. If the combined coverage of the original manufacturer’s warranty and the purchased service contract exceed f ive (5) years, the item purchased is not eligible for benefits under this Plan.

Puerto Rico

EW-DOC2-PR 09/17 3 314-332

If the Card Member is notified that a warranty has ended for any reason (including, but not limited to, bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not to exceed the original manufacturer’s warranty up to one (1) year from the date the Card Member is notified of such event. The Card Member may be asked to provide proof of notification in the form of a public announcement or other official documentation. Only a Card Member has a legal and equitable right to any insurance benefit that may be available under this Plan.










10. additional service contract or extended warranty coverage for a computer, computer component or part that You buy which already comes with an original United States of America, or Puerto Rico or the U.S. Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and administered by the original manufacturer; and



Puerto Rico

EW-DOC2-PR 09/17 4 314-332




Puerto Rico

EW-DOC2-PR 09/17 5 314-332

Change of Permanent Residence You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We will send any and all notices or Plan related materials to Your last known address on file. If You fail to notify Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Description of Coverage, the Policy, the declarations page, and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company upon approval by the Department of Insurance. Changes shall take effect as of the date a replacement Description of Coverage, if any, is issued or the date otherwise agreed upon by the Master Policyholder and the Company. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any reasonable time upon reasonable notice. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any f raudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. No coverage is provided if You, whether before or after a Loss, have: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is


Puerto Rico

EW-DOC2-PR 09/17 6 314-332


VI. TERMINATION OR CANCELLATION Coverage will terminate automatically on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America, or the

District of Columbia, or Puerto Rico or the U.S. Virgin Islands; 2. the date We notify You of our determination that Your enrollment or claims information contains a





Puerto Rico

314-332

AMENDATORY ENDORSEMENT

To be attached to and made a part of the Description of Coverage/Policy. THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/POLICY. PLEASE READ IT CAREFULLY. Applicable to Residents of Puerto Rico

1. The Policy definition is replaced by the following: Policy means the Group Insurance Master Policy (AX0951-PR, AX0951-VI, AX0953-PR or AX0953-VI) issued by the Company to American Express Travel Related Services Company, Inc.

2. The paragraph on Company Cancellation is hereby replaced by the following: The Company can cancel this Description of Coverage or any endorsement or rider at any time for any reason including but not necessarily limited to:

a. non-Payment of premium by the Master Policyholder; or b. a Company decision to stop underwriting this kind of insurance.

The Card Member has the right to know and/or request the grounds on which this Description of Coverage is cancelled. To that effect, the Company must provide sixty (60) days written notice, actually delivered or mailed by certified mail, prior to the date cancellation is ef fective, indicating in such notice the reason for cancellation. You will be eligible to receive benefits if You fully activated coverage in accordance with this Description of Coverage prior to the effective date of the Company’s cancellation. If the Company cancels, the Master Policyholder must assist the Company in notifying Card Members of the date their insurance is cancelled.

ALL OTHER TERMS AND CONDITIONS OF THE DESCRIPTION OF COVERAGE/POLICY REMAIN UNCHANGED.


EWPP-END1-PR 09/17

Washington

EW-DOC2-WA 09/17 1 314-332



The Group Insurance Master Policy (AX0953) is issued to American Express Travel Related Services Company, Inc., the Policyholder. This Policy is issued in and governed by the laws of Wisconsin. Coverage is provided to You subject to all exclusions and provisions of the Policy. For purchases charged to Your Account, Extended Warranty will extend the terms of the original manufacturer's warranty on warranties of five (5) years or less that are eligible in the United States of America, or Puerto Rico or the U.S. Virgin Islands, subject to exclusions and limitations described in this Description of Coverage. We will match the length of the original warranty if the original manufacturer’s warranty is less than two (2) years, or we will provide two (2) additional years if the original manufacturer’s warranty is between two (2) years and f ive (5) years. If the original manufacturer’s warranty exceeds five (5) years, the product purchased is not eligible under this Plan and no coverage applies. INDEX Def initions Section I Description of Benefits Section II Exclusions Section III Claims Process Section IV General Provisions Section V Termination or Cancellation Section VI Important Additional Information For You Section VII I. DEFINITIONS Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express® Card Account on which the record of the charge for the item purchased is made. Card Member means a person who has been issued a United States of America based proprietary American Express Card and who has a Permanent Residence in the 50 United States of America, or the District of Columbia, or Puerto Rico or the U.S. Virgin Islands. Company means AMEX Assurance Company. Extended Warranty Period means a period of time equal to the length of the original manufacturer’s warranty when the original warranty is less than two (2) years, or two (2) additional years if the original manufacturer’s warranty is between two (2) years and five (5) years. Loss means the product malfunction which necessitates the repair, replacement or reimbursement of any one product, as covered by the terms of that product's original warranty, which is valid in the United States of America, or Puerto Rico or the U.S. Virgin Islands when the purchase of the product, whether for Your use or as a gift, has been charged to Your Account. Master Policyholder means American Express Travel Related Services Company, Inc.

Washington

EW-DOC2-WA 09/17 2 314-332

Membership Rewards® Points means credits obtained through the Membership Rewards program available with most American Express Cards, which are earned when making certain purchases with such cards. In some cases, participating Card Members receive a redemption certificate in order to use their Membership Rewards points. Pay with Points is a process that may be available to an individual who accrues American Express Membership Rewards Points and then uses the Membership Rewards Points to pay for an item by converting them to statement credits to off-set some or all of the expense of that item reflected on the individual’s Account statement. Permanent Residence means the one primary dwelling place where the Card Member resides and to which he/she intend to return and, if necessary, can be evidenced by a current and active official form of Identification, examples include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card Plan means the Policy and the benefits described therein. Policy means the Group Insurance Master Policy (AX0953) issued by the Company to American Express Travel Related Services Company, Inc. We, Us and Our means the Company. You and Your means the Card Member. II. DESCRIPTION OF BENEFITS


Washington

EW-DOC2-WA 09/17 3 314-332


III. EXCLUSIONS General Exclusions Benef its are not payable if the Loss for which coverage is sought was directly or wholly caused by: 1. war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance,









10. additional service contract or extended warranty coverage for a computer, computer component or part that You buy which already comes with an original United States of America, or Puerto Rico or the U.S. Virgin Islands manufacturer’s and/or retailer’s warranty, unless such coverage is provided and administered by the original manufacturer; and


IV. CLAIMS PROCESS If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss, including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

Washington

EW-DOC2-WA 09/17 4 314-332



Washington

EW-DOC2-WA 09/17 5 314-332

V. GENERAL PROVISIONS Change of Permanent Residence You must notify Us as soon as reasonably possible if You change Your Permanent Address. If the change is to a different state, Your Plan provisions may be adjusted to conform to the requirements of that state. We will any and all send notices or Plan related materials to Your last known address on file. If You fail to notify Us of a change in Your Permanent Residence, You may not receive all notices and Plan related materials. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Changes This Description of Coverage and endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Changes shall take effect as of the date a replacement Description of Coverage, if any, is issued or the date otherwise agreed upon by the Master Policyholder and the Company. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any reasonable time upon reasonable notice. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any f raudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. No coverage is provided if You, whether before or after a Loss, have: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is

material and is made with the intent to deceive; or 2. intentionally concealed or misrepresented any fact if the fact misrepresented contributes to the Loss. We may be required to report suspicion of f raudulent activity and/or confirmed f raudulent activity to Your residency state’s Department of Insurance. Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days af ter Proof of Loss documentation has been received by Us. No such action may be brought after three (3) years from the time written Proof of Loss documentation is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law. Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover f rom You any amount exceeding the maximum amount payable, only af ter You have been fully compensated for the loss sustained. Subrogation In the event of any payment under this Plan, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively

Washington

EW-DOC2-WA 09/17 6 314-332


VI. TERMINATION OR CANCELLATION Coverage will terminate automatically on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America, or the

District of Columbia, or Puerto Rico or the U.S. Virgin Islands; 2. the date We notify You of our determination that Your enrollment or claims information contains an

intentional misrepresentation or intentional fraudulent statement or intentionally fails to disclose material information;

3. the date You terminate Your Account and are no longer a Card Member; 4. the date Your Account is cancelled by American Express; or 5. the date the Plan is not available in the location where You maintain a Permanent Residence. The Company has the right to cancel this Description of Coverage at any time by sending a written notice at least sixty (60) days in advance to You at Your last known address. The notice will include the reason for cancellation. You will be eligible to receive benefits if the item purchased is made on Your Account prior to the ef fective date of the Company’s cancellation. Termination or cancellation of coverage will not prejudice any Notice of Claim submitted prior to termination or cancellation, subject to all other terms of the Plan.

VII. IMPORTANT ADDITIONAL INFORMATION FOR YOU The benef its described herein are subject to all of the terms, conditions, and exclusions of the Description of Coverage issued to Card Members whose Permanent Residence is Washington. This Description of Coverage replaces any prior Description of Coverage which may have been furnished in connection with the Policy. For any questions regarding the benefits described in this Description of Coverage, please call 1-800-228-6855 or International Collect 1-303-273-6498, the number listed on the back of Your card, or the number shown on Your card statement. This Description of Coverage is an important document. Please read it and keep it in a safe place.

